BEAUTIFULLY MAINTAINED Smart Home on One of the Best lots in a Premier 55+ Community. Pride of ownership shines throughout this accommodating residence offering comfort, convenience, and a relaxed atmosphere with LOW HOA fees and a GATED ENTRY. This home delivers serene living at its finest. Nestled on a quiet, low traffic street and overlooking peaceful green space, the property provides direct walk-able access to the clubhouse, resort style pool, and recreational courts—or enjoy the ease of getting around by golf cart. The exterior received a full PROFESSIONAL REPAINT in January 2026 adding to its move in ready appeal. INTERIOR HIGHLIGHTS: Four spacious bedrooms offering exceptional flexibility for a couple and their guests, or the extra space is ideal for a home office, media room, or as a hobby room. Bright, open floor plan with abundant natural light and a wide welcoming hallway. Beautiful kitchen featuring expansive granite counters, island with sink and breakfast bar, walk in pantry, SOFT-CLOSE CABINETRY, and stainless steel appliances. The dining area can easily adapt to extend the table for holiday gatherings. The primary suite is its own oasis at the rear of the home, large enough for a king sized bed and features dual walk in closets. En suite bathroom has a luxurious granite, full bathroom-length double vanity, and a water closet for added privacy. Capitalize on ENERGY SAVINGS with smart home features, and an inside HVAC closet. The roomy INSIDE LAUNDRY ROOM provides for additional space in the generously sized garage too. OUTDOOR LIVING: Enjoy the quiet—no traffic noise here. The SCREENED-IN LANAI sits on the cool side overlooking a beautifully landscaped backyard accented with vibrant rose bushes, creating a peaceful retreat for morning coffee or evening relaxation. Stone edging and gutters add efficiency to the clean environment. The HOA includes mowing. COMMUNITY AMENITIES: Residents enjoy the security of a gated entrance and access to a stunning amenities center featuring Sparkling resort style pool, Bocce ball and pickle ball courts, Clubhouse with community and meeting spaces, Kitchen area and fitness center. CONVENIENT LOCATION: Just minutes from 3 Publix supermarkets, medical facilities, restaurants, cafés, and boutique shopping, this home offers the perfect blend of tranquility and everyday convenience. A transferable builder warranty adds peace of mind.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
